How does the Pension Fund work? Structure and management of the Pension Fund of the Russian Federation

The pension fund in the financial sphere of each country plays an important role. It is he who is engaged in the redistribution of national income in many social systems. Asking about the way the Pension Fund works, you must first figure out what it is. It is a centralized system that is set up to correctly distribute and collect funds. He undertakes to ensure the standard of living that a person has earned by working for many years in the territory of the state. Every month the pension fund must pay out money to people who for one reason or another are unable to provide for themselves.

An ordinary person seldom questions about the structure of the Pension Fund, believing that this topic is far from his understanding. However, it is worthwhile to learn more about the peculiarities of the work of this institution. After all, it directly depends on how rationally and correctly will be allocated those budget funds that are allocated by the state.

Principles of work of the Pension Fund

Let's take a short look at how the Pension Fund of Russia works . If to speak conditionally, the mechanism of functioning of this institution is connected with the support of the material welfare of people who enter the social category. At the same time, a new generation, starting to work, should make contributions to this structure. Older people, on the contrary, because they can no longer work, receive a fixed amount every month. In fact, the Pension Fund is an eternal cycle. The article will describe the properties and the process of organizing the work of this structure. Besides, the head of the Pension Fund also deserved some words, but more on that later.

Insurance premiums

The source of income of the Pension Fund is national payments. It is thanks to them that more and more branches are being created. The leading role is played by special contributions and taxes. Their size is set according to the current legislation.

The largest expenses are for the payment of benefits. This figure is so great that sometimes the Pension Fund management asks the question of where to get the money. The main source of money is insurance premiums. Every month, employers must pay a fixed amount depending on the size of the worker's wages. The payment of these funds is of a strict nature. In the event that organizations shy away from payments, the Pension Fund imposes this penalty interest and still exacts it. The reasons for the violation are not clear, because the roles do not play. Penalty is charged for each calendar day. In the event that the payer's property was arrested by a court decision, or if all financial transactions were stopped, the Pension Fund awaits the end of the proceedings and only then transmits the request for transfer of funds. The penalty for this period is not charged.

The value of the Pension Fund for the elderly

Before considering the question of how the Pension Fund works in the sphere of payment of funds, we note that this institution is completely independent. It functions according to the legislation of Russia. The Fund must make insurance contributions, finance the population, which needs social protection. His duties include organizing a process to collect money from people guilty of causing harm to their colleagues and other residents of the state. If the latter was injured, which does not allow him to work, the fund must set a pension. In addition, his employees control the timely receipt of insurance premiums and how correctly these funds are subsequently used.

A labor pension is a payment of cash that compensates people who need them, which they do not receive for serious reasons. In the Russian Federation there are several types of such payments. Let's look at them in more detail:

• Labor pension by age (old age). The right to such payments is available to women who have reached 55 years of age, and men aged 60 years. Only funds are accrued if the insurance period is at least five years.
• Labor pension due to illness (disability).
• Labor pension due to loss of the main breadwinner.

Structure of the Pension Fund of the Russian Federation

The main in the structure of the Pension Fund is the Board. To it carry the basic functional body - Executive management. The latter subordinate all branches that are located in the republics. They are joined by administrative-territorial and state entities. They are also in areas. The city and district structures are authorized by the foundation. They collect money on social. Insurance, provide various regional programs, monitor the flow of money. These departments work directly with citizens.

In addition to the RF Pension Fund, the Ministry of Communications and Labor is responsible for pension provision of residents, who appoint, redistribute and deliver funds for payments. The general budget, as well as the main points of expenditure, reports on the implementation of all tasks assigned to the fund is made by the Board. It is also guided by the current legislation, as well as the adopted budget for the current year. The head of the Pension Fund (head of the Board) is Anton Drozdov. This person is a well-deserved figure of the Russian Federation.

Problems of the Pension Fund due to the economic crisis and other reasons

Because of the crisis of 2008, the Pension Fund has stopped making some payments. In order to get out of the situation, appropriate measures were taken. Although we managed to overcome the shortage of funds, but in 2009 the same problem arose, but to a lesser extent. In 2010-2011. The same thing happens. Each department of the Pension Fund tried to help rationally solve the problem and overcome the crisis.

Due to the fact that the number of people who need to pay benefits increases, the imbalance of the Pension Fund and the lack of harmony leads to the severity of this issue. In order to neutralize the existing problems, the state annually increases the number of funds transferred to the described institution. Strengthened communication with the tax service and the organization for collecting contributions.

Considering how the Pension Fund works, it must be said that in 2010 a transition was made to insurance principles in the sphere of social payments. The single tax was replaced by special payments. This helped to align the work of the fund, to regulate it, to increase efficiency.

Pension reform and the role of the fund in it

Now in Russia there is a pension system of the accumulative type. It allows you to regulate the funds accumulated in the future, which people will receive in their old age. The amount of payments directly depends on how long the employee worked, and whether his employer honestly made monthly payments. This allows you to reduce the consumable part. Thus, what the employer pays does not go to benefits to other pensioners at a given point in time. This money is added up, and when the pensioner ceases to work after reaching a certain age, they are paid in a fixed amount.

The accumulation system is considered quite convenient, especially in comparison with the distribution system. This is due to the fact that the money that is paid to a person to retire is his property, not the state. This aspect increases the reliability of the system. The savings scheme allows to bring the economy back to normal, which is one of the tasks of the Pension Fund.

Administration of the Pension Fund of Moscow

Management is located near one of the branches of the metro. It's about the South-West. This department is the main one in Moscow and the Moscow region, therefore citizens are accepted here with questions to which the regional and city institutions can not answer. Given the specifics of the work, not everyone likes the Moscow Pension Fund. Its address: Tverskoy boulevard, 18.

Many people say that some employees are often out of the picture. The phones do not answer. Elevators do not always work. If a person sends a letter or documents, it is best to do this not by mail, but by fax. This is due to the fact that the letter sent to the address is likely to take about a month.

The schedule of work of the Moscow branch

The office is open from 9 am to 5:45 pm every day except Friday. In the last weekday the institution closes at 16:30. There is also a lunch break, which lasts 30 minutes - until one o'clock in the afternoon.

Moscow Branch of the Pension Fund

Unfortunately, it is impossible to list all branches of the Pension Fund in Moscow, but we should mention some of them:

• On Shlyuzovaya Embankment, 8, Office No. 10 is located. It runs from 9am every day to 18 hours. At the weekend the office is closed. The break lasts from 12:30 to 13:15. Phone of the Pension Fund can be found on the official website.

• At Panfilov, 7 in Khimki, there is Office No. 5. His schedule differs little from the one described above. Is that the dinner lasts from 13 to 14 hours. On Friday, the working day is shortened - at 16:45 the doors are closed. The Pension Fund's telephone number can be found on the stand in the lobby.
• At Yeniseiskaya, 2, Office No. 6 is located. The work schedule of the institution is the same as that of department No. 5. The lunch lasts 45 minutes - from 13:00.

Results

As you can see, the structure of the Pension Fund is simple and quite understandable. It should be said that it is important enough how often and honestly the modern generation pays all the necessary fees. Therefore, white wages are very important, because it is not affected by the flow of funds into the country's budget. The main thing is to remember the main thing: the Pension Fund works, protecting the interests of citizens of the Russian Federation.